1. Core Principles

When it comes to your personal information we believe in transparency, not surprises. So before we get into the details, we want to share with you a few of our core privacy principles.

• No Sale of Personal Information: We do not sell your personal information to anyone. It's just not the type of business we're in.
• Minimum Collection: We only collect what we need to provide or improve the Services.
• Controlled Sharing: We share your personal information only with your permission or as described in this Privacy Policy.
• Accountability: We appreciate that when you use our Services, you trust us with your information, and we take that responsibility very seriously. This Privacy Policy holds us accountable for protecting your rights and your privacy.

2. Notice at Collection – Categories & Purposes

The table below describes the categories of personal information we collect, the purpose of collection, and our retention practices.

We do not sell or share personal information for cross-context behavioral advertising purposes.

3. Information We Collect

When you use the Services, we collect the following information, and use it only as described below:

3.1. Account Information

This may include your name, address, email address and phone number. We use this information in the ways you would expect, such as to set up your Account or contact you.

3.2. Third Party Account Information

If you use Third Party Services, such as social media or photo-sharing services, you may provide us with your Third Party Services account information, such as your username (note that we don't store any passwords you use to access Third Party Services). We transmit, and may store, such account information, only as needed to provide the Services, and only in accordance with the terms and policies of the Third Party Services.

3.3. Communications With Us

When you send us emails or other communications, such as customer support inquiries, we maintain those communications and their contents so that we can resolve your inquiries or otherwise assist you.

3.4. Public Comments On The Services

We maintain any comments, contributions to discussions or messages submitted to users of the Services, in order to provide the Services.

3.5. Files You Provide Us

When you use the Services, we store, process and transmit your User Content (such as your photos) and information related to your User Content. We process and store such files and information in order to provide the Services, as described in our Terms & Conditions.

3.6. Usage Information

This includes information about your activity on and interaction with the Services, such as your IP address, your device or browser type, the webpage you visited before coming to our sites and identifiers associated with your devices. This information enables us to analyze how the Services are being accessed and used, and to track performance of the Services.

3.7. Location Information

Your devices (depending on your settings) may transmit location information to the Services. We use this information to customize, improve and protect the Services. For example, we may use your location information to determine local language preferences, or to geotag a post.

3.8. Cookies And Other Technologies

We use these technologies to do things such as remember your preferences, keep you safe and improve and promote the Services. You can read more about how we use these technologies in our Cookie Policy, which is incorporated by reference into this Privacy Policy.

4. Sharing Your Information

When you use the Services, we may share your information only as described below:

4.1. Third Parties You Authorize

You can give third parties access to your and your End Users' information on the Services. For example, you may wish to integrate Your Sites with a third party newsletter service that requires access to the email addresses you collect from your End Users, in order for that newsletter service to send emails on your behalf and at your direction. Just remember that such third party's use of this information will be governed by the terms and privacy policies of the third party.

4.2. Following The Law

We may disclose your information to third parties if we determine that such disclosure is reasonably necessary to comply with the law, protect our rights or prevent fraud or abuse of FIG Realty & Mortgage or our users. When we receive law enforcement or national security requests for information, we strongly believe in privacy and transparency. We scrutinize such requests carefully and challenge vague, overbroad or otherwise unlawful requests. And when legally permitted, we provide our users with notice that their information is being requested. This notice is provided so that you have the opportunity to challenge such requests.

4.3. Others Working For FIG Realty & Mortgage

FIG Realty & Mortgage uses certain trusted third parties to help us provide, improve, promote and protect the Services. For example, we may use third parties to help us provide customer support, manage our ads on other sites or assist with data storage. These third parties may access, process or store your information to perform tasks only for the purposes we've authorized, and we require them to provide at least the same level of protection for your information as described in this Privacy Policy. We also may share with third parties aggregated or anonymized information that does not directly identify you.

4.4. Business Transfers

If we're involved in a reorganization, merger, acquisition or sale of our assets, your information may be transferred as part of that deal.

We do not share data with third parties for marketing/promotional purposes.

5. Sensitive Personal Information

We may collect sensitive personal information (e.g., SSN, financial account info, precise geolocation) only as necessary to:

• Provide Services
• Detect and prevent fraud
• Comply with legal requirements

We do not use or disclose sensitive personal information for purposes beyond those allowed under the CPRA without your consent.

6. Your Privacy Rights (California Residents)

California residents have the following rights:

1. Right to Know - What categories and specific pieces of personal information we collect, use, disclose, sell, or share.
2. Right to Delete - Personal information we have collected, subject to exceptions.
3. Right to Correct - Inaccurate personal information.
4. Right to Opt-Out - Of sale or sharing of personal information.
5. Right to Limit Use of Sensitive Personal Information - To only necessary purposes.
6. Right to Non-Discrimination – For exercising privacy rights.

How to Exercise Your Rights

Email: info@figmortgages.com

Phone: (714) 908-7444

Authorized Agents - You may designate an authorized agent; we will require verification of your identity and the agent's authorization.

Verification Process – We verify requests by matching identifying information to your account records.

We will respond within 45 days to verify your requests.

7. Data Protection

While no service is completely secure, we have a security team dedicated to keeping your information safe. We employ security measures such as using firewalls to protect against intruders, building redundancies throughout our network (so that if one server goes down, another can cover for it) and testing for and protecting against network vulnerabilities. Payment information is transmitted using HTTPS encryption, and we maintain a PCI DSS certification.

8. Retention

We retain personal information only as long as necessary for the purposes disclosed in this policy, for legal compliance, or as otherwise required by law. Retention periods are listed in the "Notice at Collection" table above.

9. Location

Information that you submit through the Services may be transferred to countries other than where you live (for example, to our servers in the US). We also may store information locally on the devices you use to access the Services. We also may transfer information to third parties outside the US for processing or to support the Services, and we require them to provide at least the same level of protection for your information as described in this Privacy Policy.

10. Access

To modify or delete the personal information you have provided to us, simply log into the Services and update your profile. We may retain certain information as required by law or for necessary business purposes. On request, we'll provide you with a copy of your personal information that we maintain. This request may be subject to a fee not exceeding the prescribed fee permitted by law.

11. Communications

We may periodically email you service-related announcements. We'll also send you emails related to your transactions. We may also send you marketing or promotional communications, but you can opt out of receiving subsequent marketing or promotional communications by clicking the link marked unsubscribe (or a similar phrasing) that's included in those communications.

12. End User Information

If you use our Services to operate your own sites, we may process your End Users' information on your behalf, in accordance with this Privacy Policy. You are responsible for complying with applicable privacy laws for your End Users.

13. Text Message Disclosure

By providing your phone number, you consent to receive conversational SMS messages from FIG Realty & Mortgage related to your mortgage inquiry, application, documentation, follow-up and status updates. Reply STOP to opt-out; Reply HELP for support; Message & data rates may apply; Messenger frequency may vary.

No mobile information will be shared with third parties/affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

14. Modifications

We may modify this Privacy Policy from time to time. When we do, we will post the updated version and update the "Last Updated" date. If a modification meaningfully reduces your rights, we'll notify you in accordance with the procedures set forth in our Terms & Conditions.

15. Google Workspace API Usage

We affirm that Google Workspace APIs are not used to develop, improve, or train generalized AI and/or machine learning models.

We only request the minimum access necessary to provide our services and use Google Workspace data strictly for the purposes disclosed in this Privacy Policy and in accordance with the Google API Services User Data Policy.

We do not retain or use Google Workspace data to train generalized AI or ML models.

Phone/Text Communication Policy

FIG Realty & Mortgage ("us," "we," or "our") is committed to making your experience convenient and transparent. We respect your privacy and comply with the Telephone Consumer Protection Act (TCPA) and all other applicable communication laws.

This policy explains how and when we may contact you, and how you can manage or withdraw your consent.

1. When You Provide Consent

By providing your phone number or otherwise contacting FIG Realty & Mortgage, you give us consent to communicate with you regarding:

• Your loan inquiry or application status;
• Requests for additional documentation or information;
• Scheduling appointments or providing updates; and
• General account or transaction notifications.

2. Phone calls

We may contact you by phone. Calls may be made manually by one of our representatives, or—when permitted by law—using an automatic telephone dialing system (autodialer) or prerecorded message.

We comply with the National Do Not Call Registry and our internal Do Not Call policy. If your number is listed on the DNC Registry, or if you ask us not to call you, we will not contact you by phone for marketing or promotional purposes.

3. Text Messages (SMS)

We may send text/SMS messages regarding your mortgage inquiry, application, or transaction-related communications.

Message frequency may vary depending on your loan stage or service needs, up to ten (5) SMS messages per week related to your transaction.

Message and data rates may apply depending on your carrier and plan. Fees may vary if the message is sent domestically or internationally.

SMS consent is not required to use our services.

FIG Realty & Mortgage is not responsible for delayed or undelivered messages caused by your wireless service provider.

4. Revoking Consent and Opting Out

Consent is not a condition of applying for or obtaining a loan or other service.

You may revoke your consent or opt out at any time by:

• Replying STOP to any text/SMS message you receive from us (this will stop text messages only and will not affect phone calls or other forms of communication). You will receive one final confirmation message before you stop receiving future texts.
• Following the opt-out instructions provided in our communications; or
• Contacting us directly at (714) 908-7444 to request that we stop phone calls, text/SMS messages, or all communications.

5. Help & Support

For help or questions about our communications, you may:

• Reply HELP to any text for assistance
• Contact us directly at www.figmortgages.com/contact or (714) 908-7444 if you experience issues.

6. Responsibility

You confirm that you are the authorized user of the phone number you provide and agree to notify us if your number changes or is reassigned. You agree to hold us harmless from any claims resulting from your failure to update your contact information.

7. General Provisions

Governing Law: This policy is governed by the laws of the State of California. All disputes must be resolved exclusively in the state or federal courts located in Los Angeles, California.

Equal Housing Lender: We comply with the Equal Credit Opportunity Act (ECOA) and do not discriminate based on race, color, religion, national origin, sex, marital status, military status, age, or public assistance status.

Reservation of Rights: All content in our emails, calls, and text messages is proprietary. Reproduction or distribution requires our prior written consent.

Email Communication Policy

FIG Realty & Mortgage ("us," "we," or "our") uses email to communicate efficiently with clients and business partners. This Policy outlines our practices regarding email use, security, and limitations.

By providing your email address or engaging with us electronically, you consent to the terms of this Policy, as well as our Privacy Policy and Terms of Use.

1. Nature of Email Communication

• Email can be convenient, but messages may be brief, informal, or delayed.
• Emails do not always reflect the full scope of our communications with you.
• All official loan matters must be confirmed in signed writing (electronically or physically).

2. Receipt of Your Email

• Sending us an email does not constitute notice of any urgent matter.
• Spam filters or system errors may delay or block receipt of your email.
• For time-sensitive issues, call us directly and follow up with a written confirmation.

3. Security & Monitoring

• Email is transmitted over the internet, which is not fully secure.
• Emails may be lost, intercepted, delayed, or altered.
• Avoid sending personal information (SSN, account numbers) by email.

4. Viruses & Liability

• While we take steps to prevent viruses, we cannot guarantee our emails are virus-free.
• It is your responsibility to scan all emails and attachments before opening.
• We disclaim liability for any loss or damage caused by malicious code, viruses, or altered email content.

5. Electronic Signature Disclaimer

• Emails from us do not constitute an electronic signature or legally binding agreement unless explicitly stated.
• Emails are not an offer of loan approval, interest rate lock, or commitment unless you receive a formal, signed agreement from us.

6. Confidentiality

• Emails involving our Legal or Compliance teams may contain privileged information.
• If you receive an email in error, notify us immediately and delete it.
• Unauthorized use, reproduction, or distribution of confidential information is prohibited.

7. Unsubscribe or Opt-Out

• You may opt out of promotional or marketing emails at any time by clicking the "Unsubscribe" link provided in the message.
• Transactional or informational emails related to your loan or account cannot be unsubscribed from, as they are necessary for providing our services.

8. General Provisions

Governing Law: This policy is governed by the laws of the State of California. All disputes must be resolved exclusively in the state or federal courts located in Los Angeles, California.

Equal Housing Lender: We comply with the Equal Credit Opportunity Act (ECOA) and do not discriminate based on race, color, religion, national origin, sex, marital status, military status, age, or public assistance status.

Reservation of Rights: All content in our emails, calls, and text messages is proprietary. Reproduction or distribution requires our prior written consent.

Consumer Disclosure

This disclosure explains the terms and conditions for receiving notices and disclosures electronically through the FIG Realty & Mortgage electronic signing system. Please read carefully. By accessing and using our electronic systems, you are deemed to have consented to electronic delivery as described below.

Electronic Delivery of Notices and Disclosures

Unless you notify us otherwise, FIG Realty & Mortgage will provide all required notices, disclosures, authorizations, acknowledgements, and other documents electronically through our system. To ensure you receive all communications without interruption, we provide them electronically to the address you have provided us. You may request paper copies of any notices or disclosures at any time by contacting us.

Acknowledgement and Consent

By using FIG Realty & Mortgage's electronic systems and accessing this disclosure:

• You are able to access and read electronic disclosures;
• You are able to print or save electronic disclosures for future reference; and
• You consent to receive all required notices, disclosures, authorizations, acknowledgements, and other documents electronically, unless you notify FIG Realty & Mortgage that you wish to receive them in paper format.

If at any time you are unable to access or retain electronic notices, or if you prefer paper delivery, please contact FIG Realty & Mortgage immediately to arrange an alternative delivery method.

Acceptable Use Policy

This Acceptable Use Policy ("Policy") describes the types of conduct prohibited when using FIG Realty & Mortgage's services ("Services"). Capitalized terms not defined in this Policy have the meanings set forth in our Terms & Condition. If you have questions about this Policy, contact us.

FIG Realty & Mortgage provides its Services to help users express themselves, build their brands, and grow their businesses. We encourage creativity and responsible use. By using our Services, you agree not to misuse the Services or assist anyone else in doing so.

1. Abusing Or Disrupting The Services

You may NOT

• Probe, scan, or test the vulnerability of any system or network.
• Bypass security or authentication measures.
• Access nonpublic areas of the Services or shared areas without authorization.
• Interfere with or disrupt users, hosts, or networks, including distributing malware or overloading the Services.
• Decompile, reverse engineer, or attempt to access source code, algorithms, or underlying infrastructure.
• Access the Services through unsupported means (e.g., scraping, spidering, crawling).
• Impose an unreasonable load on our infrastructure or third-party providers.
• Share credentials or use another person's login information.

2. Spamming And Phishing

You may NOT

• Send unsolicited communications, promotions, or advertisements.
• Send falsified source-identifying information, including phishing or spoofing attempts.

3. Deceiving And Impersonating Others

You may NOT

• Engage in false, fraudulent, or misleading conduct.
• Impersonate another person, company, or entity.
• Engage in misleading or unethical marketing or advertising.

4. Unauthorized Transactions and Use

You may NOT

• Use unauthorized payment methods.
• Promote products or services without proper authorization.
• Sell, redistribute, or use the Services on systems not authorized by FIG Realty & Mortgage.

5. Intellectual Property and Privacy

You may NOT

• Infringe or misappropriate intellectual property rights.
• Violate anyone's privacy or publicity rights.

6. Harassment and Offensive Conduct

You may NOT

• Post threatening, harassing, abusive, excessively violent, offensive, sexually explicit, or obscene content.
• Advocate bigotry or hatred against any person or group based on race, ethnicity, nationality, religion, gender, sexual orientation, age, or disability.

7. Legal Compliance

You may NOT

• Use the Services in violation of U.S. export controls, regulations, or sanctions.
• Violate any applicable law, including local laws regarding online conduct and content.

8. Enforcement and Remedies

If FIG Realty & Mortgage determines that you have violated this Policy or engaged in other abusive conduct, we may:

• Remove content, suspend or terminate your account or access to the Services, without notice and without refund.
• Take other actions necessary to protect our Services, users, or legal interests.

We reserve the right, in our sole discretion, to enforce this Policy and to modify it at any time. The most current version will always be posted on our website. If a modification materially reduces your rights, we will notify you in accordance with our Terms & Conditions.

You can report violations of these guidelines to us directly by emailing info@figmortgages.com.

Cookie Policy

FIG Realty & Mortgage ("we," "our," or "us") uses cookies and similar technologies to provide, improve, promote, and protect our services ("Services"). This Cookie Policy explains what cookies are, the types we use, why we use them, and how you can manage your preferences. Capitalized terms not defined here have the meanings set forth in our Terms & Conditions.

If you have any comments or questions about this Cookie Policy, you can contact us at info@figmortgages.com.

What are Cookies?

Cookies are small text files placed on your device when you visit a website. They help us remember your preferences, keep you signed in, and measure how our Services are used so we can improve them.

How We Use Cookies

1. Authentication, Personalization And Security

• Verify your account and device.
• Keep you signed in as you navigate between pages.
• Help prevent fraudulent activity and unauthorized access.

2. Performance & Analytics

• Understand how users access and interact with our Services.
• Measure site performance, page views, and conversion rates.
• Gather device information, IP addresses, and referral data.
• Improve our Services and provide content relevant to you.

3. Third-Party Cookies

We may allow trusted third parties (e.g., Google Analytics) to set cookies to help us:

• Analyze website usage and improve performance.
• Enable sign-in or integrations with third-party services.

Any third party cookie usage is governed by the privacy policy of the third party placing the cookie.

Managing Cookies & Opt-Out Options

You have choices about cookies:

• Browser Settings: You can adjust your browser settings to block or delete cookies.
• Do Not Track (DNT): Our Services currently do not respond to browser DNT signals from browsers visiting our Services.

Please note: Disabling some cookies may limit functionality and your ability to use certain features of the Services.

Copyright Policy

FIG Realty & Mortgage respects intellectual property rights and expects its users to do the same. In accordance with the Digital Millennium Copyright Act of 1998 ("DMCA") and other applicable law, we promptly respond to claims of copyright infringement committed using our Services. Under appropriate circumstances, we will terminate the accounts of users who are repeat infringers.

We also reserve the right, at our sole discretion, to remove or disable access to any material that appears to infringe copyright rights, with or without notice. Capitalized terms not defined in this Copyright Policy have the meanings set forth in our Terms & Conditions.

Submitting a DMCA Notice of Infringement

If you believe that your copyright-protected work has been copied or used in a way that constitutes infringement, please provide us with the following information (as required by 17 U.S.C. § 512(c)(3)):

1. Identification of the copyrighted work that you claim has been infringed (for example, a link to your original work or a clear description of the materials allegedly being infringed upon).
2. Identification of the allegedly infringing material and information reasonably sufficient to allow us to locate it on our Services.
3. Your contact information, including your name, mailing address, telephone number, and email address.
4. The following statements:
   • "I hereby state that I have a good faith belief that the disputed use of the copyrighted material is not authorized by the copyright owner, its agent, or the law."
   • "I declare, under penalty of perjury, that the information in this notice is accurate and that I am the copyright owner or authorized to act on behalf of the copyright owner of an exclusive right that is allegedly infringed."
5. Your physical or electronic signature (typing your full name will suffice) of the copyright owner or a person authorized to act on their behalf.

Deliver this notice, with all items completed, to FIG Realty & Mortgage's Designated Copyright Agent:

FIG Realty & Mortgage
Attention: Copyright Agent
11400 West Olympic Blvd, Los Angeles, CA 90064
info@figmortgages.com

FIG Realty & Mortgage's response to notices of alleged copyright infringement may include the removal or restriction of access to the allegedly infringing material. Please note that the information provided in a notice of copyright infringement may be forwarded to the user who posted the allegedly infringing content.

Important Note on Bad-Faith Notices

Under 17 U.S.C. § 512(f), you may be liable for damages, including costs and attorneys' fees, if you knowingly make false claims about alleged infringement. If you are unsure whether material is infringing, you should consult an attorney before submitting a DMCA notice.

Submitting a DMCA Counter-Notification

If you believe that your content was removed or disabled in error, you may submit a counter-notice containing the following information (as required by 17 U.S.C. § 512(g)):

1. Identification of the material that has been removed or to which access has been disabled, and the location where it appeared before removal.
2. Your name, mailing address, and telephone number.
3. A statement that you consent to the jurisdiction of the Federal District Court for the judicial district in which your address is located (or, if outside the United States, to the jurisdiction of the federal courts in Los Angeles, California), and that you will accept service of process from the person who provided the original notice or their agent.
4. The following statements: "I swear, under penalty of perjury, that I have a good faith belief that the material was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled."; and
5. Your physical or electronic signature (typing your full name will suffice).

Once we receive a valid counter-notice, we will forward it to the party who submitted the original notice. If we do not receive notice of legal action within 10 business days, we may restore the material.

Policy Updates

We may update this Copyright Policy from time to time. The most current version will always be posted on our website. If a modification meaningfully reduces your rights, we'll notify you in accordance with the procedures set forth in our Terms & Conditions.

Terms of Service and Privacy Policy — Use of AI

Welcome to FIG Realty & Mortgage! FIG Realty & Mortgage operates the website https://www.figmortgages.com and offers an AI-powered application to assist users in filling out various loan applications. By using our website and services, you agree to these Terms of Use and Privacy Policy. Please read them carefully before using our services.

1. Acceptance of Terms

By accessing or using our website, applications, or services, you agree to be legally bound by these Terms of Use and Privacy Policy. If you do not agree with any part of these terms, you may not access or use our services.

2. Definitions

• "User" – any individual or entity that accesses or uses FIG Realty & Mortgage's website or services.
• "Personal information" – any information that identifies or can reasonably identify you, including but not limited to name, address, contact details, financial data, and identification documents.
• "Loan application" – any application for a loan, mortgage, or financial product facilitated through FIG Realty & Mortgage's services.

3. Description of Services

FIG Realty & Mortgage provides an AI-powered platform that helps users fill out various loan applications. Our services may include document collection, data analysis, and application support.

4. User Consent

By using our services, you authorize FIG Realty & Mortgage to collect, process, and store the personal information and documents you upload, including but not limited to driver's licenses, bank statements, income documents, and other materials required for a loan application.

5. Privacy & Data Security

FIG Realty & Mortgage takes the security of your information seriously. We use industry-standard administrative, technical, and physical safeguards to protect your data. However, no system is completely secure, and we cannot guarantee the absolute security of your information. You use our services at your own risk.

6. How We Use Your Information

We use your personal information solely to:

• Assist in loan application processes.
• Comply with legal and regulatory obligations.

We do not sell, rent or share your personal information to third parties for marketing purposes.

7. Your Privacy Rights (CCPA & U.S. State Laws)

If you are a resident of California or another U.S. state with similar laws, you have the right to:

• Know what personal information we collect and how we use it.
• Request deletion of your personal information, subject to certain legal exceptions.
• Access a copy of your personal information we maintain.
• Opt-out of the sale of personal information (FIG Realty & Mortgage does not sell personal data).

To exercise these rights, contact us at info@figmortgages.com. We will verify your identity before processing your request as required by law.

8. Data Retention

We retain your personal information only for as long as necessary to provide services, meet legal obligations, resolve disputes, or enforce our agreements. After this period, your data will be securely deleted or anonymized.

9. Your Responsibilities

You are responsible for:

• Providing accurate, complete, and lawful information.
• Ensuring you have the rights and permissions to upload and share any documents.
• Keeping your account credentials secure and notifying us immediately of unauthorized access.

10. Disclaimer of Warranties

Our services are provided on an "as-is" and "as-available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

11. Limitation of Liability

To the maximum extent permitted by law, FIG Realty & Mortgage and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, data loss, or business interruption, arising out of or relating to your use of our services.

12. Changes to Terms

FIG Realty & Mortgage may update or modify these Terms of Use and Privacy Policy at any time. Changes will take effect immediately upon posting to our website, and continued use of our services constitutes acceptance of the updated terms.

13. Contact Us

If you have any questions or concerns, you may contact us at info@figmortgages.com.

Acknowledgment

By using FIG Realty & Mortgage's website and services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.